 Patriot Insurance : $ 216 per class |
 MAPFRE : $ 239 per year |
 Safeco : $ 273 per class |
 Geico : $ 273 per year |
 Concord Group : $ 284 per year |
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in New Hampshire
| City | Premium | Percent Increase |
| Hanover | $635 | 0.0% |
| Keene | $640 | 0.9% |
| Berlin | $646 | 1.8% |
| Claremont | $658 | 3.7% |
| Concord | $686 | 8.1% |
| Milford | $689 | 8.6% |
| Suncook | $694 | 9.3% |
| Laconia | $702 | 10.6% |
| Raymond | $705 | 11.1% |
| Exeter | $718 | 13.1% |
| Portsmouth | $720 | 13.4% |
| Rochester | $722 | 13.7% |
| Somersworth | $722 | 13.7% |
| Newmarket | $725 | 14.2% |
| Durham | $732 | 15.3% |
| Dover | $733 | 15.6% |
| Hampton | $735 | 15.8% |
| Goffstown | $755 | 18.9% |
| Bedford | $759 | 19.6% |
| Amherst | $769 | 21.1% |
| Merrimack | $774 | 21.9% |
| Nashua | $802 | 26.4% |
| Hudson | $807 | 27.1% |
| Hooksett | $807 | 27.2% |
| Londonderry | $815 | 28.4% |
| Derry | $835 | 31.6% |
| Pelham | $858 | 35.3% |
| Windham | $870 | 37.1% |
| Salem | $884 | 39.4% |
| Manchester | $947 | 49.2% |
Factors That Affect Car Insurance Premiums in New Hampshire
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Read more: Best car insurance companies for 2022
Cheapest Car Insurance in New Hampshire
7 Tips for How to Get Cheap Car Insurance in New Hampshire
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In New Hampshire, regional insurers like Amica Mutual and The Hanover might have lower rates than national companies like State Farm, Geico, and Allstate.
2. Know the factors affecting insurance in New Hampshire
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose coverage that is right for you
You need
5. Search for discounts
Top car insurance companies in New Hampshire have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
6. Stay in less expensive zip codes
Car insurance prices can vary a lot based on zip code in New Hampshire. On average, drivers in the
7. Try usage-based insurance
New Hampshire drivers average about 10,200 miles per year – a bit less than the national average. That means a lot of people in New Hampshire could potentially benefit from trying , which adjusts your premium based on your actual driving habits. Safe drivers with a low annual mileage typically save the most with usage-based insurance.
Methodology
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
| Category | All Profile Characteristics | Good Driver Profile |
| Gender | Male, Female | Male |
| Age | 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65 | 45 |
| Marital Status | Single, Married | Single |
| Teenage Driver Included on Policy | No, Yes | No |
| Driving Record | Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident | Clean |
| Miles Driven Per Year | 7,500 Miles, 15,000 Miles, 20,000 Miles | 15,000 Miles |
| Coverage Level | Minimum, Standard, Full | Minimum |
| Discounts | None, Multi-Policy, Homeowner, Student | None |
| Credit Level | Poor, Good | Good |
| Filings | None, SR22, FR44 | None |
| Car | Sedan, Minivan, SUV, Coupe, Truck | Sedan |
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $25,000 in property damage liability, as well as $25,000 in uninsured/underinsured motorist coverage per person. $50,000 in uninsured/underinsured motorist coverage per accident, $25,000 in uninsured/underinsured motorist property damage coverage and $1,000 in medical payments coverage, as required by New Hampshire’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage, 50k/100k/25k of uninsured motorist coverage and $1,000 of medical payments coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, collision and comprehensive coverage with a $500 deductible and $1,000 of medical payments coverage.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged New Hampshire insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of brassy cable car insurance companies in New Hampshire is based on data from the New Hampshire DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for New Hampshire drivers in a collection of key categories. For each profile, WalletHub compared quotes among acme New Hampshire cable car indemnity companies by averaging premiums from 30 travel rapidly codes that represent at least 20 % of New Hampshire ‘s population. Military-specific companies like USAA were alone considered for the military-specific category, due to their eligibility restrictions. In some cases, they may even be the best option overall for eligible drivers.In the table below, you can see all of the visibility characteristics that were used in WalletHub ’ south analysis, in addition to the specific subset of characteristics that make up our good Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged New Hampshire policy quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is example only. individual rates will be different. Don ’ deoxythymidine monophosphate forget to include local policy companies in your search for cheap car policy. In New Hampshire, regional insurers like Amica Mutual and The Hanover might have lower rates than home companies like State Farm, Geico, and Allstate.Everyone knows that your driving habits and claims history affect how much you pay for car policy. But in New Hampshire, companies can besides consider your age, sex, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and even some factors beyond your command all impact the price of insurance.You ’ ll see higher rates if you let your policy lapse, even if you don ’ t own a car. New Hampshire drivers who don ’ metric ton maintain continuous car indemnity coverage pay an average of 18 % more per class than those with at least five uncoiled years of policy history.You need indebtedness insurance to pay for the other driver ’ south expenses if you ’ re at fault in an accident in New Hampshire. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ metric ton scrimp on the coverage you need. But make inform choices thus you don ’ thyroxine pay more than you have to.Top car insurance companies in New Hampshire have a variety of discounts, so about anyone can find ways to save. You may be able to get a discount if you ’ re a scholar, seasoned, beneficial driver, homeowner, uncoerced to go paperless, and more.Car policy prices can vary a distribute based on travel rapidly code in New Hampshire. On average, drivers in the most expensive parts of New Hampshire spend about $ 300 more per year on car indemnity than those living in the least expensive areas.New Hampshire drivers average about 10,200 miles per year – a morsel less than the home average. That means a lot of people in New Hampshire could potentially benefit from trying, which adjusts your bounty based on your actual drive habits. safe drivers with a low annual mileage typically save the most with usage-based insurance .